are you with us? what's your question. >> we have two small children and my question is when we should start teaching them about being responsible for money and saving for the future? >> it's a great question, a question a lot of parents ask themselves and the answer is it is never too early to start but just like the medical responses you've heard from both jennifers this morning it is about an ongoing conversation not sitting down and having one conversation in life with your children but constantly teaching them through how you behave yourself and, also, when you are at the grocery store there, are moments to teach them about the cost of things, always a good idea, also, to set up bank accounts for your children and take them to the bank when you set it up so they can see this had how it all works. >> money has to go before money comes out. >> that's right. >> how crazy. >> thank you. >> this is specifically for you, dr. hartstein. you'll remember a week or so ago we had the story about the kids, b